Risk grade updatedRisk gradeEvidence verified
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.Business profile
JPJ Investment Oy
JPJ Investment Oy's registered office is Esbo. It is a limited company. The company was established on 2007-01-17. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2022-12-31, revenue was €91,202 and operating profit was €24,645.
Business ID 2087046-8ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2087046-8
- Sector
- Activities of insurance agents and brokers
- Municipality
- Esbo
- Company form
- Limited company
- Registration date
- 2007-01-17
- Business ID registration date
- 2007-01-11
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Nyyrikintie 8, 02100, Esbo
About JPJ Investment Oy
Financial position and key figures for the company.
JPJ Investment Oy's location municipality is Esbo. It is a limited company. The company was established on 2007-01-17. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2022-12-31, revenue was €91,202 and operating profit was €24,645. The latest retained financial statement for 2022-12-31 shows revenue of €91,202 and profit for the financial year of €63,716. Based on the latest retained statement, revenue growth was -28.4%, operating margin was +27.0%, and equity ratio was +80.4%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2022-12-31
2
2
PRH/XBRL financial statement
Derived indicators
Revenue growth-28.4%
Operating margin27.0%
Equity ratio80.4%
Balance-sheet contextLatest financial period
Other operating income€47,050Previous: €0
Cash and bank€60,242Previous: €165,940
Retained earnings€525,841Previous: €239,549
Equity€713,272Previous: €624,014
Liabilities€173,592Previous: €240,277
Current assets€80,794Previous: €186,283
Current liabilities€56,082Previous: €155,279
Revenue trend2 periods
€127,422
2021-12-31
€91,202
2022-12-31
Operating profit (loss) trend2 periods
-€72
2021-12-31
€24,645
2022-12-31
Profit (loss) for the financial year trend2 periods
€325,965
2021-12-31
€63,716
2022-12-31
Assets trend2 periods
€864,291
2021-12-31
€886,864
2022-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
100/100 · Improving
Current ratioSatisfactory
36/100 · Stable
Operating profit marginGood
95/100 · Improving
Ratio history
| Ratio | 2021-12-31 | 2022-12-31 |
|---|---|---|
| Equity ratio | 72.2 % | 80.4 % |
| Current ratio | 1.07x | 1.07x |
| Operating profit margin | -0.1 % | 17.8 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2087046-8
EU IDFIFPRO.2087046-8
MunicipalityEsbo
Current registered entries
2007-01-11Registered in Tax Administration (Prepayment Register)
2007-01-16Registered in Tax Administration (Tax Administration)
2007-01-17Registered in Patent and Registration Office (Trade Register)
Risk certificate
An open-data based company stability and risk signal.
BUSINESS.fi
BUSINESS.fi Luottoluokitus
Profile-specific risk signal based on open data
Automatic gradeNot a credit decision
A2
Very goodJPJ Investment Oy
Grade unchangedA2 · new analysis 2026-10-18
83/100
Low
Usable financial evidenceFinancial data included
Financial development is mostly stable or mixed.
2 comparable periodsProfitabilityImproving
SolvencyImproving
LiquidityStable
Same industry, size and age groupDescriptive comparison – does not change the model score.
90 peersSolvency56%
Better than 56% of peers
Profitability60%
Better than 60% of peers
Liquidity60%
Better than 60% of peers
Revenue growth19%
Below 81% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings81 days after period end
97 days after period end
2 consecutive periods
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Active registered status
Risk factors to note
- Parsed financial metrics are older than the newest reported filing
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA2
2026-10-1883/100 · v0.15
A2 → A2A2
2026-10-04 13:5083/100 · v0.14
A3 → A2 · +7 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2022-12-31).
- Assessment confidence: Medium → Low.
- Evidence quality: Registry and statistical evidence → Usable financial evidence.
A3
2026-09-1576/100 · v0.14
B1 → A3 · +12 points- Assessment confidence: Low → Medium.
- Evidence quality: Registry and statistical evidence → Registry and statistical evidence.
- New risk factor: Sufficient structured financial metrics are not available.
B1
2026-09-1464/100 · v0.12
Oldest retained automatic assessment in this comparisonA2
2026-10-18
open-risk-grade-v0.15
The grade can use open digital financial statement data together with registry signals.
Risk context
When sufficient source-backed financial metrics are not available for a Tier 1 assessment, BUSINESS.fi shows registry, industry, and regional context.
Industry risklow
77/100
Industry context is low based on normalized open statistical inputs.
Age and continuityVakiintunut
80/100
The company has about 19 years of registry continuity.
Registry and status signalsVakaa
77/100
Registry history, filing recency, and active register markings are still limited or mixed.
Events & news
Verified events and sourced external company news in one timeline.
Risk grade updatedRisk gradeEvidence verified
4 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3 → A2.Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
18 register eventsLatest event: 2025-05-29
Financial statements availability
Available financial statement periods and PRH source filings.
2 financial statement periodsLatest financial period: 2022-12-31
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-01-12.
This company profile has not been claimed yet
JPJ Investment Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.